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Dalhart Federal Savings & Loan Association, SSB

Dalhart, TX · Cert 29208 · Dalhart Fed Mutual Holding Co.

SI · FDIC · 2 branches

Q2 2026

$126.3MAssets
$78.9MLoans
$95.5MDeposits
$12.6MEquity
Loan mix
98%RE $77.9M1%C&I $0.5M1%Consumer $1.0MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $78.2M18%Noninterest $17.3MQ2 2025Q2 2026

NIM

5.02%Q2 ’244.96%Q2 ’255.11%Q2 ’26+5%+19%

Non-interest income vs. expense

2.66%Q2 ’242.76%Q2 ’253.14%Q2 ’26+0%+9%

Executive Summary

  • Earnings: ROA of 0.04%, up 28 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.16% of loans (-26 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 11.42%, up 58 bps from a year ago.
  • Funding: loans stand at 82.62% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.04%+28 bps YoY

Net Interest Margin (YTD, annualized)

2.83%+46 bps YoY

Efficiency Ratio (YTD, annualized)

97.09%-804 bps YoY

Tier 1 Leverage Ratio

11.42%+58 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.25%-0.28%-0.23%-0.30%0.04%+28 bps
Return on Equity-2.63%-2.95%-2.40%-3.03%0.37%+300 bps
Net Interest Margin2.37%2.46%2.58%2.77%2.83%+46 bps
Efficiency Ratio105.13%104.82%104.14%104.80%97.09%-804 bps
Non-Interest Burden2.50%2.59%2.69%2.92%2.73%+23 bps
Growth
Asset Growth (YoY)-3.90%-9.21%-5.03%-5.88%-6.40%-249 bps
Loan Growth (YoY)-1.63%-2.35%-0.15%-1.90%-6.39%-475 bps
Deposit Growth (YoY)4.34%-0.45%3.01%2.18%0.75%-358 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.49%0.58%0.65%0.16%-26 bps
Net Charge-Offs / Loans0.00%0.01%0.32%0.04%-0.01%-1 bps
Allowance / Loans0.49%0.59%0.27%0.32%0.33%-16 bps
Allowance Coverage of NPLs1.2x1.2x0.5x0.5x2.0x+0.9x
Capital
Tier 1 Leverage Ratio10.84%10.95%11.17%11.39%11.42%+58 bps
Total Risk-Based Capital25.09%25.76%25.36%25.78%26.60%+151 bps
Equity / Assets9.15%9.65%9.72%9.83%9.97%+82 bps
Liquidity & Funding
Loans / Deposits88.92%85.99%84.58%85.01%82.62%-630 bps
Liquid Assets / Assets27.01%26.07%25.82%25.12%26.34%-67 bps
CRE / Total Capitaln/a61.29%62.22%60.96%n/an/a